You may also contact the credit bureau that is showing the discrepancy. They will walk you through the process of filing a dispute. The bureaus will then contact ACA notifying us of the dispute. ACA will then review your account and provide any necessary updates to the bureaus. If you are not satisfied with the results of the investigation conducted by the credit agency, you may contact us directly at 1(888) 943-8343.

ACA asks that you first submit your credit dispute to us directly via mail or indirectly through the credit bureaus. This allows us an opportunity to fully review and investigate your account. If you contact us by phone prior to submitting your request to us or the bureau, it may limit our ability to provide complete information during the phone call.

Can I speak to someone directly about inaccuracies in my credit report?

ACA asks that you first submit your credit dispute to us directly via mail or indirectly through the credit bureaus. This allows us an opportunity to fully review and investigate your account. If you contact us by phone prior to submitting your request to us or the bureau, it may limit our ability to provide complete information during the phone call. Our Credit Dispute Team can be reached at 1(888)943-8343 to discuss any remaining inaccuracies in your credit report.

Contact the credit reporting company (contact information provided below for TransUnion, Equifax, and Experian) and advise them that you are an identity theft victim. You will have to provide proof of your identity. Ask the credit reporting company to put a fraud alert on your credit file and confirm that the credit reporting company will contact the other 2 companies.

Placing a fraud alert is free, and the initial alert will stay on your credit report for 90 days. Be sure that the credit reporting company that you contacted has your current contact information so they can get in touch with you if necessary. Once the 90 days has past, you can contact the credit reporting company again to renew the fraud alert.

The credit reporting company should advise you that you are entitled to a free credit report from all 3 credit reporting companies.

This alert on your credit file requires all businesses to verify your identity before it attempts to issue you credit; therefore, the businesses will have to contact you for verification purposes.

Review the free credit reports that you receive from the credit reporting companies for any signs of fraud.

Contact the appropriate businesses to close any accounts that you believe have been tampered with or were opened fraudulently. Sample letters are available on the FTC’s website.

Once you have placed the fraud alert on your credit reports and have attempted to close any accounts that have signs of fraudulent activity, you will need to complete the FTC’s Identity Theft Victim’s Complaint and Affidavit.

This form will direct you to file a report with your local police or law enforcement.

You may file an extended fraud alert or credit freeze. There might be a cost for these requests. You will need to contact your state Attorney General’s office to inquire if there is a fee and how long the freeze lasts. You will then contact the three credit reporting companies and ask them to put a freeze on your credit file. You will be required at that time to pay the fee that is required by state law.

Please contact ACA immediately at 1(866)544-3430 to inform us of the potential identity theft. ACA will need the below documentation in order to investigate your account:

I can't wait 30 days for my credit information to be updated because I am applying for another loan today. What should I do?

ACA submits updates to the credit bureaus on a monthly basis, off cycle updates will only take place through a formal credit dispute submitted either by mailing the credit dispute form to ACA or by contacting one of the three credit bureaus that ACA reports to (TransUnion, Equifax or Experian). However, ACA can provide you with a copy of your payment history. If you wish to receive a copy of your payment history, please contact our Customer Service Department at 1(866)544-3430.

What if I want to know why my application for credit was denied?

If you would like a statement of specific reasons why your application was denied, please contact us at the address listed below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request.

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